Hello, Bickie.
Why I built personal-finance software for Australians, and what it does today.
Welcome to Bickie. I'm Brandon, and I built this because I wanted personal finance software that takes Australian rules seriously.
The problem
Every well-designed personal finance product I've used was built somewhere else. YNAB and Lunch Money are sharp pieces of software that don't know super exists. Personal Capital has charts I'd love, all wrapped around an investment-advice business that doesn't operate here. Pocketbook — the closest thing we had to a homegrown winner — shut down in 2021.
So we're left with spreadsheets, partial workarounds, and a vague suspicion that the FIRE date we have in our heads is wrong by a decade. That's the gap Bickie is trying to close.
What Bickie does today
Three things, all built around Australian tax and super rules from day one.
Schedule-based budgeting. Every dollar in and out is tied to a real date. Recurring schedules (salary, rent, energy, streaming, mortgage) roll forward automatically. The months ahead are one glance away.
FIRE planning. Project net worth out 30+ years. Concessional and non-concessional caps modelled. Division 293 considered on contributions over $250k. CGT discount applied to assets held more than 12 months. Franking credits assumed refundable.
AU calculators. Stamp duty across all eight jurisdictions. Salary tax with the current brackets and Medicare levy. Mortgage offset showing time saved. Rent vs buy with a 10-year horizon. Free, no sign-up.
What's next
A Pro tier is in development. Live bank feeds via Basiq, AI-assisted category suggestions, deeper investment modelling. Existing Free and Paid users will see zero change — the new features sit on top, not in place of, what's already there.
Try it
Sign up takes about a minute. Free forever, no card.